Stop in for a cup of coffee

that's what I'm trying to do. no debt. it's odd to me that a lot of people don't realize that a vast majority of college is worthless. half of my class are going to "liberal arts" colleges. they're going to be surprised when they are flipping burgers and have 30k in debt
Well you’re already smarter than half your class. And 90 percent of mine.

may I make another suggestion. Figure out when you want to retire and work backwards. See how much you need to save and develop a plan to do it from right now.